Premium calculated from actual payroll every cycle. No 25% upfront deposit, no year-end audit reconciliation. One claim away from a specialist who picks up.
We cover 200+ workers comp classification codes, from high-risk field crews to clerical. Search your industry, then book a 20-minute quote review.
Your WC specialist picks up on the first call after an incident. No hotline, no ticket triage. Same specialist, every claim, every renewal.
Four-phase WC cycle. No upfront deposit. No year-end audit surprise. Claims owned by the same specialist every time.
Your WC specialist identifies the right class codes for your operations. If your prior carrier misclassified you, we fix it. Experience-mod pulled from the rating bureau.
Placed on our master WC policy, underwritten by SUNZ. Pay-as-you-go structure means zero upfront deposit; premium calculated per pay run from actual payroll.
Incident reported same-day. First report of injury filed. Medical provider coordinated. Return-to-work plan drafted with the employee and their manager. Your specialist stays engaged through settlement.
Renewal reviewed 60 days out. Experience-mod reviewed; we push back on carrier or rating-bureau errors. Safety programs + OSHA posture reduce mod over time.
Questions about the process? Let’s talk →
Premium placement, claims management, mod control, renewal review, safety coordination. One specialist, every piece.
CLASS-CODE AUDIT
Misclassification is the #1 cause of premium overpayment. Your WC specialist audits current class codes and fixes misclassifications before they inflate your master-policy rate.
SUNZMaster WC policy · pay-as-you-go
PAY-AS-YOU-GO
Zero 25% upfront deposit. Premium pulls from actual payroll every cycle. No year-end audit reconciliation. Payroll flexes up or down, premium follows in real time.
$0Upfront deposit · zero audit surprise
CLAIMS MANAGEMENT
Incident reported same-day. First report of injury filed within 24 hours. Medical provider coordinated. Return-to-work plan drafted with HR advisor. One specialist, start to settlement.
<1 hrIncident-report response target
EXPERIENCE MOD
Your mod ratio is reviewed annually. We pull your mod and claims records, check claim coding, and dispute errors. Safety programs build a lower mod over time, and lower premium follows.
23%Avg premium cut vs. prior carrier
RENEWAL REVIEW
No last-minute scramble. Every renewal reviewed 60 days before expiration: mod, class codes, and payroll trued up against your master-policy rate. Your specialist walks you through it before it renews.
60 daysLead time on every renewal
OSHA + SAFETY
OSHA 300 logs handled alongside WC claims (one intake, two outputs). Safety training and incident-prevention programs build mod improvements that reduce premium year after year.
IntegratedOSHA + WC + HR, one intake
Send us your current policy (declarations page) + last year’s payroll. Your WC specialist reviews class codes, mod, and audit history on the call. Often finds a premium error.
“We run job sites in Utah, Nevada, and Idaho, and the payroll compliance piece was a mess. VertiSource HR untangled all of it. Our EMR dropped from 1.8 to 0.9 in 18 months, which directly cut our insurance premium. Multi-state payroll is now a non-issue.”
Payroll runs drive WC premium by class code live. Incident reports trigger OSHA 300 logging. Return-to-work coordinates with HR. One team, four systems.
Every pay run calculates WC premium by class code. No estimates, no deposits, no year-end audit surprise.
Incident report triggers OSHA 300 log entry (where applicable). One intake, two compliance outputs.
Return-to-work plan drafted with HR advisor. Modified-duty coordination. FMLA + ADA overlap managed.
Same IIG licensed agent across WC + GL + cyber + property. One carrier-relationship view.
Want this for your team? Let’s talk →
Still have a question? Let’s talk →
Talk to WC specialists who’ve saved 500+ businesses an average of 23%: no upfront deposit, no audit surprise, one specialist from quote through claim.
